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401k Retirement Plan Services

401k Retirement Plan Services

401K Retirement Plan Services

Like 61 million other Americans, you have a retirement savings account available to you through your employer. Whether it’s a 401(k), 403(b), 457,SEP IRA or another plan, it allows you to set aside money on a pre-tax basis today and you can withdraw your money in retirement and pay the income taxes then. Many employers match a portion of what their workers contribute as well. It’s a winning proposition with one major problem. The people who hold these types of investment accounts typically don’t have the financial background or training to make the best decisions regarding them. The employer tries to provide information to the employee, but it is never personalized. That’s where 401K retirement plan services from Macino Financial come into play.

How Our 401k Retirement Plan Services Work

In August 2015, Macino Financial began offering a unique tool called 401kPlanPro to help people optimize their 401(k) retirement plans. Over the years, we have seen first-hand the impact that a well-managed retirement savings plan have. Unfortunately, in many cases, the opposite is also true. With this tool, you receive comprehensive retirement planning advice based on the following factors:

  • The number of years you plan to work before retirement
  • Your tolerance for risk
  • Your own investment philosophy

Along with a list of your employers retirement plan investment options, 401K Plan Pro will recommend which investment option is best for you and enrollment is easy – just complete several forms to get started. This allows us to give you immediate personalized advice in addition to ongoing recommendations. It involves completing a risk tolerance questionnaire and listing your preferred investment choices. With these 401(k) retirement plan services, you have uninterrupted access to your past and current investment recommendations online.

Benefits of Enrolling in the Program

As a participant in the 401kPlanPro, you receive buy/sell line recommendations at regular intervals. This tells you whether now is a good time to participate in the stock market based entirely on market ratios and mathematical equations. It allows you to avoid making a hasty decision you might regret based on emotion alone. Another benefit of the program is that it improves your ability to avoid major downturns in the market by switching to low-risk or cash investments during these times.

The plan will give you quarterly updates on what needs to be re-balanced.  This software program continually analyzes asset categories and turnover as well as fund performance and managers. At the same time, you receive expert advice from someone who has made a career of financial investment counseling.

Retirement. Your vision. Our passion.

Your 401k Action Guide

Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Macino Financial Services are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. 

The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. 


Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.


Macino Financial Services and/or David Macino are not affiliated with or endorsed by the Social Security Administration or any other government agency.


Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long term care insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. IAR is also a licensed insurance agent. In this capacity, IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through IAR on a commissionable basis. In addition, IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when IAR acts as an insurance agent may give IAR an incentive to recommend insurance products based on the compensation received.

 Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.

Investment advisory services are offered through Virtue Capital Management, an SEC Registered Investment Advisor. Macino Financial and VCM are independent of each other. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the Commission and does not mean that the adviser has attained a specific level of skill or ability.All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.